Research On Assets Custody Risk Management Of X Bank

With the progress of marketization of interest rates,the competition among domestic commercial banks is becoming fiercer and the profit margin of traditional businesses is shrinking.Domestic commercial banks are beginning to expect to adjust their income structure through the operation of business transformation.Intermediary business has gradually become the blue ocean of business of domestic commercial banks due to its advantages of high income,low risk and great innovation potential.Focusing on the development of intermediate businesses,exploration and expansion of profit channels will become the future development direction of commercial banks in China.In the capital market,the asset custody mechanism is an important measure to control financial risks and promote the steady development of the market.It plays an important role in protecting the rights and interests of investors and safeguarding financial security.Compared with developed countries,the development of domestic asset custody business is still in its infancy,the most prominent problem is the lack of comprehensive and perfect risk management industry standards.In carrying out the asset custody business,the risk management ability is the key to enhancing the competitiveness of the custodian bank.This paper introduces the history,development status and existing problems of asset custody business in domestic commercial banks in detail.It shows that asset custody business has its own unique risk different from the traditional business of commercial banks,and analyzes the risk type,risk reason and risk management methods.Based on this,this paper explores the risk management of asset custody business of bank X on the basis of principal-agent theory,information asymmetry theory and contract theory.When analyzing the risk management of asset custody business of X bank,this paper studied with the help of questionnaire survey.Through investigating the clients and practitioners of asset custody business of X bank,it was found that X bank mainly existed in the risk management of asset custody business: Hosting product quantity of light quality,lack of risk supervision mechanism,risk control is not perfect,and staff training and incentive mechanism is not sound,at the end of the paper based on the experience of the bank asset custody business risk management at home and abroad,and combining with the actual situation of X bank asset custody business risk management,from strengthen asset trust product innovation,perfect the supervision mechanism and improve the risk control,and some Suggestions on strengthening the construction of talent team X bank asset custody business risk management countermeasures and Suggestions,hope to be able to give many domestic commercial bank asset custody business provides reference.